She's On The Money - FRIDAY DRINKS: Small team, BIG VIBES

Episode Date: July 1, 2021

iiiiiiiiit's Fridaaay, Fridaaaayy gotta get down on Friday! We're at the end of the week again - and we're celebrating, but only with three of us! Everyone was busy so you've got Victoria, Ryan and Toni! We also have the best would you rather question and celebrate our beautiful community!Our fearless leader and money queen B has written a book! You can order Victoria Devine's book right here!!!!The advice shared on She’s on The Money is general in nature and does not consider your individual circumstances. She’s on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

She's on the money. She's on the money. Hello and welcome to She's on the money, the podcast for millennials who want financial freedom. Welcome back to another one of our Friday Drinks episodes where we get to celebrate the money wins and confessions from our community that happen each and every single week. Now, this week, we're missing a few of the crew.

They're just, I guess, too busy for us nowadays. Very busy. Yeah, Georgia was just too busy. So busy. Just didn't want to come in. Just kind of a bit slack from my perspective. But we've got the OGs, Tony and Ryan here. Present.

Do you reckon that we will be able to cut an episode just as good without them? I feel like there's something missing without our little pals, but it actually feels a bit weird when you guys were like let's do a friday night drink so i was like okay but like nobody's here um and it also needs to be mentioned that because jess wasn't here organizing our lives um none of us have a drink so b and i have peppermint teas tony has a water and i've got my water yeah and we're also definitely not nearly as prepared as we would be without jess so that's all right it's fine do you think that we'll survive i hope so i'm supposed

to be the ep of this podcast i should probably be able to pull it together to be honest what have you done then oh I sent you the notes you did send me some screenshots yeah I sent you screenshots of the notes it was really good but before we jump into Ryan's money wins let's just wrap what happened this week Tony money diaries what happened on our Monday episode so our money diary this week was called 29 and catching up and basically she had gone overseas and felt like when she came back she hadn't earned any super and she was feeling a bit behind on on what she'd been doing which is really like a crappy spot to be put in but i feel like everyone it's like almost like a rite of passage australians we go overseas for a year and you come home with nothing and i

don't think that's not normal i reckon that's real common well she actually stayed overseas for four years that's such a long period of time like four years a lot can happen yeah and when we were talking to our money diarist this week it reminded me a little bit of me so I didn't travel after I went to uni I started working straight away and every time we kind of really my boyfriend and I really got into our groove we would move because I got a better job opportunity somewhere else so we lived in a country town in WA for a while and then we moved to Sydney and then we moved to Melbourne and for me it feels like I've missed out because everybody else in my life is you know buying a house or getting married or whatever but we've spent all that time investing

into into my career and for ages i felt really bad about being behind everybody else but i'm ahead in other ways and i guess she's literally on she's on the money now yeah what else is there there was news though last week i think the law used to be that any australian could move to the uk if they were age 30 or below and australia and england kind of had a deal where we could go work there they've actually extended that i believe to now 35 let's go now yeah because i remember when i turned 30 i kind of had the same kind of bit of foam i was like oh i feel like you know everyone has their london year yeah and i never got a chance and now they've moved that to yeah i think 35 yeah great i'll ask my three pets and my partner if that's an option for us should we go

and the new house that you're renovating house that i'm renovating and all of the other financial and life commitments that I have, let alone the fact that I have a team, literally, that I need to be in the office for. It's not the point. I mean, where should I go? We're having a gap year. A gap year? Well, I never got a gap year either.

No. And I always felt like I was missing out because my little sister did the gap year. And I guess being the older sibling, I'm like the older, nerdy-er. Definitely. Your sister is definitely the fun one of the family. Yeah, she's pretty cool. I haven't even met her and I know she's cooler than me. Yeah, everybody knows.

Is she going to be at the birthday party? Yeah, of course, she'll be at my birthday party. Oh, thank God. Yeah, someone will have some fun. Can't wait to hang out. Jeez. I'm glad I'm paying for it. But it's one of those things where I just never considered it.

I was so desperate to get into university because I remember year 12 being so stressful and just feeling like, oh my God, if I don't get into uni, like the world's going to come crashing down. Like, newsflash, it doesn't come crashing down. I remember being really stressed and, you know, going straight into uni. And by the time my little sister got to, you know, the age where she was finishing year 12 I was like in third year uni I think and she was like I'm gonna take a gap year and I was like what that's an option like I remember my parents being super supportive because she just wanted

to see the world and you know travel and have fun and yeah I am still envious of that break she got because it just you know personally she grew a lot she had some really great experiences with her friends but in saying that I don't regret anything about what I've done I just have never had that overseas break mainly because I just put too much pressure on myself to perform like and that's okay we're just all different people and i think that that's just it is what it is but as ryan was saying tony we can still have time yeah we've still got time i think it was just a really nice way to think about um we'll reassure our money tyrants that you aren't missing out and there are things that you gain from whatever you choose that other people don't

gain from what they choose and everything seems all perfect and like the best opportunity when you see other people have done it but it doesn't take away from what you've gained and yeah it was really hard for me personally to understand that I'd invested in my career over all that time rather than saving money to buy a house and like now I'm 27 and yeah I could probably own a house and do all these other things that you see people doing but that wasn't your values exactly the thing that you wanted to do and I think that these weeks money diarist really drove home for me that it doesn't matter what position you're in, you're still going to compare yourself to the journey of other people.

It doesn't matter if you're super impressive and have your first home by the age of 27 and three kids and you're married and have been for the last 50 years. Like, people don't care. You're still going to compare your journey to that of others. And seeing this person who I was like, wow, she's travelled and had such great life experience and, you know, now she's come home and...

And she's investing and doing all this stuff. Yeah, and she's doing so many cool things. Like, what an epic person. Yep. but that's not how she was feeling about it and I was like wait what what do you mean you don't feel epic about this um and she actually sent a really nice email as well like thanking us for having her on the podcast which was lovely and um and she said that she was really proud of how she spoke and that she was really excited to like show her friends and family and that kind of thing so

I think that sometimes it's just that perspective shift that you need that when you talk about yourself in a way that you don't talk it's not the way that you self-talk but when you talk about yourself to others, you kind of hear it in a different light, I think. But yeah, I hope that anybody that's in the situation where they might be comparing themselves or, you know, feeling like a bit left behind or whatever, it's just never too late. And whatever choices you've made were the right ones for you at the time. Absolutely. Yeah, I agree. And to quickly dust over this week's deep dive, Georgia King and I, we sat down and talked about new financial year and new financial goals, which was really fun, mainly because I love goal setting and talking about

setting goals and resetting goals and you know this year i know that the she's on the money community have downloaded a lot of those savings hacks sheets and they've also been setting goals and like sharing their goals and like i just think it's been so special and you know half year is the time that we start to sort of dwindle on our goals and fall off the bandwagon because oh my gosh i can't believe it's june and now i can't believe it's july and you know you kind of go oh i haven't achieved what i wanted to achieve but like we've got so much time left and i absolutely do not subscribe to the notion that you need a new year to set a new financial or life goal. Like if you want to do something, just start now. It doesn't matter. You don't need the 1st of January 2022

to do it. But at the same time, I know a lot of people would have set goals on the 1st of January 2021 that they're now not maintaining. And so I kind of wanted to reinvigorate that, talk about goal setting, talk about how to reset those goals and feel okay with it and maybe get back on the bandwagon if you've fallen off. But if you haven't set any goals, now's a great time to think about it as well so that was a really fun chat mainly because i love goal setting and talking about how people are achieving things but that's what the wednesday ep was what's your next money goal victoria divine i don't know i genuinely don't tony lodge um we've got a bit of debt that i would love to pay off just like some personal credit card debt from like i was talking about before

moving around a lot um that's probably our next next thing that we want to polish off so that we can start investing and having real savings and that kind of thing what's yours ryan we're saving for the house oh yeah i'm so excited for this you were at an auction last weekend yeah it goes from saving money to i was not bidding i was observing um but how much did it go over by a lot yeah um and that's the thing anyone who lives in or probably any major city in australia at the moment the house prices are just insane at the moment i heard a stat that in melbourne the house prices are going up eight hundred dollars a day what yeah and obviously you know it's averaged and every house is a little bit different but when they do the big averages and the big data

every single day it goes up eight hundred dollars i wish my value went up eight hundred dollars i wish that someone went here tony he's another eight hundred dollars so uh we were hoping maybe towards the end of the year but like it's we're not saving 800 a day so it's very uh pressure to put on ourselves it's really crazy how is that fair for us as you know millennials to go you know what i really want to purchase property and then you look at the stats and it's going up 800 a day some people can't even save that in a month what how are we even going to make that achievable and the place we went to not only would we be nowhere near being able to afford what it eventually went for, it was a real do-or-up-ra.

Oh, no. So, it's like I can't even afford a place that needs work. Yeah, and I feel like a lot of people listening now will just be nodding and being like, yeah, mate, we're all doing this. But, I mean, if anybody listening does need help with the property buying process. If only there was a podcast. Oh, I wish there was a podcast, Ryan. We should do one.

Bounce your little bunny tails straight over to the Property Playbook. um new episodes every tuesday and uh victoria and amy lunati and myself are talking about how to actually get into the profit from go to woe a to v i thought that was so sassy just so you guys know tony came up with that tagline and i'm i'm very proud of you speaking of very proud do you know what we were about to do ryan's money wins is this where we're proud of the community or you about to say you're proud of me just as a guy oh no we're not proud of you as a guy we are proud of the community and that's why we do the money wins and confessions from ryan each week all right christy said that she has been looking for wedding shoes for ages and as you guys know

as soon as you start looking for stuff online the ads start coming on facebook and stuff so she's seen these ones worth 600 bucks and she's like that's so much money yeah and she's like they just keep popping up as ads i can't get them out of my head i love these shoes finally they come up for 450 they're on sale and she buys them and goes yes i've saved 150 dollars Awesome. I've just been thinking about these shoes. She gets them. She puts them on.

She's like, they're great. But you know what? I just don't know even at $450 if they're the ones for me. Okay. All right. I love that. So then she stumbles. Was she able to return them?

Yep. She stumbles across these other ones that she's like, I just fell in love with these other ones. How much are they? $100. Yes. One zero zero. Yes.

Got the $450 back. Has the shoes of her dream for a big day. Christy, all the best for the wedding in those $100 shoes. Well done. But I'm glad that she bought the expensive shoes, right, as a side note, because she probably otherwise, if she'd just bought the $100 ones, she would have in her mind always been like, I should have just bought those shoes.

I wonder what I would have looked like in those shoes. Exactly, but she's done it and I'm so proud of you, Christy. Now she's excited about that. And if you need anyone else at your wedding, we are free. We are free. Oh, are we? Yep, all three of us. I'll be there.

Rachel said, this might seem like a strange money win, but I'm really proud of myself. She's in Sydney, which is currently in lockdown, like a lot of places in Australia. And she said, any other time we might have got into lockdown, I would have been stressing and that would have really done me in. But for the first time in my life, I've got an emergency fund. Oh, my heart.

And I thought, you know what? This is what an emergency fund is for, for emergencies. But that's just it. And I think that if we're going to talk about this, sorry to derail your conversation right now, but that's what your emergency fund is for. Do not feel guilty about having to dip into that at this point in time, because that's what you've been saving it for. well you know how we say don't judge your past self she's sort of the opposite she's like very

proud she's like i've saved this thing this is why i've done it and now i get to reap the benefits of the sacrifices i've made so good on you rachel um carney said that she bought a house 12 months ago now this is the opposite of my woes from earlier she said they had to get it revalued for a bank thing they might have been refinancing it's now worth 140 000 more than she bought it in just 12 months well done that's like more than someone's full-time salary that she's just found in equity in her property like imagine being able to save that much in 12 months i'm just shook when i hear stuff like that all right larissa said she called the department of transport to check something with her car rego and actually worked out that she had ticked like a business car

like for a van or whatever which i think the rego is a little bit higher it's more expensive but it turns out her car was not the category she originally ticked and they said oh you've actually been paying too much here's a refund and a credit towards your next rego payment that is such a money yeah because is rego not the worst most annoying bill to get you get a power bill and you're like yep okay fair enough water bill gas whatever but that rego that stinky little rego every time it turns up you go has it really been three months it's actually so frustrating I feel like that about my car insurance because I've been trying to time it, right? And this is- it's not a money loss and it's not a money win, so I didn't save this one.

But I time it for just pre-financial year so that I can claim it in that tax year because, like, of course, Victoria Devine has thought about this. So, what, it ticked over a few days ago then? Yeah, yeah. So, I had this due earlier this month. So, like, mid-June, I start getting my rego, I start getting my insurance, I get my income protection insurance. I get literally everything so that I can pay it then, but then once June 30 comes and goes, I can then claim it on tax immediately

because I obviously am a genius. Yeah, of course. You're so smart. She is on the money. Yeah, wow. But if I wasn't saving all year for that, I definitely, one, couldn't do that, but two, I can't tell you-

Because that's a big outlay at one time. Yeah, I can't tell you how frustrating it is regardless of the fact that, one, I've saved for it. Yes, it's a normal bill and any other time I'd be like, great, just pay the bills. like I've got the money in my cash hub because I've done my budget and I know what it's there but oh my gosh going into my cash hub that many times this month to pay the things that I'd already committed to and definitely had to pay like it just feels audacious yeah it's rude it's

rude like it's not a money loss it's not a money win it's just me being frustrated with my money that you have to spend the money on the things that you use what do you mean what do you mean i've been saving to pay my rego and now it's due like yeah um paulette now we've had this money win multiple times before but it's just another great example from paulette no people who use those price lock apps with the petrol oh because like 7-eleven have one where if you say it you hit bang then it just like it saves that price yep so she's used the 7-eleven app she's like miss uh jessica ricci is a big fan of the 7-eleven fuel app yeah so i didn't realize this fuel prices got to a dollar 75 a liter i saw that and it hit me in the heart yeah so paulette locked it in at

a dollar 26 right paulette saving 50 cents per liter savings she's a genius well done i bet the guy at the servo or the girl at the servo was just really impressed with her as well walked in they thought they were getting this like 170 a litre and they're just like check out my phone you've got her on or this you know that they don't make commission on the fuel right they don't but like the counter doesn't own 7-eleven he's like oh damn that 40 cents a litre no but you know how often i cancel university you're not going and getting educated you know when you go into the servo and they're like oh have you got any discounts and 90 of the time my ass has not remembered to bring i never have anything i never have and i'm like no like imagine not only walking

in and being like oh by the way yeah i do it's 50 cents a liter that is good and he's asking for that four cents a liter that means nothing to paulette nothing now i don't want to finish on it i wouldn't say a downer because this is definitely not a downer but i reckon we might get a tear from victoria divine no don't do this you reckon you're are you being genuine yeah yeah no don't make me cry jasmine you're okay hi jasmine i was homeless when i was 16 says jasmine I became a single mum in my early 20s, which was really hard work. Having listened to She's On The Money, I'm proud to say that I've just built a family home

and I am thankful for this life I could have never imagined. Well done, Jasmine. Jasmine. I'm not crying. I'm not crying. I'm close. She built a house. She built a house.

Her own house that she owns. Oh, you know what? I love that. but like that's not us babe that's you like that's not us we didn't do that yeah we might have the tools and resources and i say this all the time and it's not me trying to shift credit or say you know we definitely didn't do that like i have the tools and resources yes and i've i've tried to make them as accessible as possible but there are so many people out there that have been introduced to she's on the money and the tools and resources we have and they're not ready to

have them they're not ready to take that on they are not ready to make any change you have to be in that mindset to make change to put yourself in a better position I can't do that for you that's the one thing that is going to make sustainable and long-term change for you and that unfortunately is the one thing I can't do yeah you did that I didn't do that I might have given you the budget I might have helped you the podcast might have been something that inspired you I love that and I'm so proud of that but like I don't want people to think it's not them like she did that because you're the one that every month put that extra money aside she did it and you know went without getting your nails done or doing something that for you because you knew

that you're working towards something bigger and that's so special that is so special i'm so proud of her all right tony let's jump straight back into the pod what have you got to share with the community this week anything interesting anything fun exciting okay so i came across this post and i wanted to get your guys opinion it's a short and simple one would you rather live somewhere you love and have limited money due to the cost of living or live somewhere you hate and be well off financially oh so right now i'll just say this uh it currently has 130 answers oh my gosh um and quite surprising quite surprising so i want to ask you guys let's ask ryan first i don't want to go first so just uh so i've got my head across this a place that you really really like but you

don't have a lot of money are we talking about like the home you have or are we talking like the location like you don't like living in melbourne so it says would you rather live somewhere you love and have limited money due to the cost of living so i'm guessing it's like It's the city location. Yeah, like location. For the sake of the hypothetical, should we just say like Paris or New York or something like that? Yeah, it's the city.

So you can't earn as much money for the job that you are able to do or would you rather live somewhere you hate? Like say you live in the middle of Australia and it's really, really hot and you're just not someone that likes really, really hot. You know, like that's kind of where my mind goes. But you're making bank. But you're well off financially because your rent's not as expensive. But people do that, right?

Like, you guys have worked in WA, so you know that lots of people work in mining over there. Yeah, yeah. And I would say that they don't love working FIFO, but the life it affords them and their families is worth it for them, right? Yeah. So, for them, they're making the decision to, you know what, I don't love where I have to live.

Oh, but when they fly home, though, they make a bank. Yeah, yeah, yeah. No, but that's another example of, like, they don't adore their jobs Because they're like FIFO is like two weeks on, two weeks off or whatever. Like there's lots of different iterations, right? And you read so much online about how difficult that lifestyle is. Yeah, it's not easy. For husbands or wives that are flying out and the husbands or wives that are at home with the kids or whatever and how difficult that, you know.

It's a sacrifice for sure. You know, you hear it and you think, oh, that's so much money and it's great. But, yeah, that would be so difficult. I know that I could not do that. So, my hat is off to anybody that does that. So, I associate locations and for, like I said, for the example, let's say it's like Paris or New York or something, I associate locations with great food and going out and if I went on holidays, I'd be like, where can we go for dinner and let's go try some

local cuisine and for me- I literally plan holidays around the food that- Yeah, and I don't know, maybe 20-year-old Ryan would have been about the partying, but now I'm a bit older, I'm like, if there's places to go out and stuff. So, for that question, if you live in this town with these beautiful restaurants but you can't afford to eat there, for me, that's the same as maybe not even being there at all. I think my take's a little bit different, but carry on. Well, that's what I said. When I associate good location, I associate location with great things to do.

And if you can't afford to do the great things, then that sort of almost becomes redundant to it. Like, if I lived in Melbourne, which I do now, but, like, say, you know, the stereotype of Melbourne is, like, cool laneways and great coffees. but it's like, yeah, but you can't drink the coffee because you don't have the cash and you live two hours out of town because the rent's expensive in the city. Then I don't know if you can't appreciate the good things, maybe it's not worth it. But having said that, the opposite is true. If you're in the middle of nowhere and you've got this money to go out and there's nowhere to go out to, then it just sits in the bank and does nothing. You go, Victoria. I actually would love to hear your take on this. I feel like this is personal preference and it's definitely just

personal opinion but I think I'd really struggle being put in a position where I didn't love where I lived so where I live really nourishes me I am the same like I need to live somewhere that I feel really comfortable and to be honest I would be very happy to take a significant pay cut if that meant that I had to make a similar decision when I was in uni and this is absolutely not comparable and it's like I guess low level entitled but I could have stayed living with my parents and had a higher income and definitely been able to afford a whole heap more during uni if I'd stayed living there but my parents lived more than an hour and a half away from uni and so I decided to move even though that would have financially stunted me and I definitely couldn't live the life that I could

have if I'd stayed living at home but for me location was really important see I actually think that's the perfect example I don't yeah I do a good job yeah so I actually think that it's probably more based on yeah like being close to where you are or close to friends or that kind of thing and say you're doing the exact same job that you're doing now but like um and another post that i saw the other day and it was someone saying oh i really want to start earning more money i'm a real estate agent i live um it was like newcastle or the central coast or something and she was saying i want to earn a bit more money um do you think i have to go to the city for that like because if i move to sydney uh our rent doubles or all of our costs double but you know i'm going

to be making more money but our rent's that much more expensive and well i've moved before and got a significant pay rise but by the time the rent goes up and then you go oh i'm earning so much more but i'm actually not earning literally anymore at all exactly right but it wasn't even lifestyle creep because the lifestyle was the same it was just the cost to actually be there Yeah, and lifestyle creep can impact us in a whole heap of different ways, right? It might not just be you creeping up your expenses, but your expenses by virtue have increased. So, for me, I think, you know,

back to what you were saying about restaurants and stuff. Maybe I went too heavy on the location in terms of... No, no, no. No, I think it's important because you love that. But for me, like, I remember being in the city for uni and, like, literally having not much money. But living your best life because you loved where you were. Like my girlfriends and I would have drinks at our place before we went out

because we definitely couldn't afford them at the restaurant. And then I remember we went to this cheap Chinese. How good is that when you come in hot? Yeah. We went in, we had a good time. We're going to have a table for 10! Just order, thanks, babe. But like then everybody in Melbourne knows you go BYO dumplings.

You go to the cheap dumplings places in the city. You have a really good time. You're spending like $11 each or something on a plate of dumplings. you got to byo passion pub and you had a really good time so for me the experiences that i created weren't dependent on how great the restaurant was but more who i was surrounded with and the experiences i could have and i just knew that i wouldn't be as happy if i lived at home like for me my mental health needs to come first and i don't think and i'm a homebody as well i don't think it would be depending on fine dining and being able to eat out and enjoy it like i don't

know what was the consensus of the group what did everybody else say so lots of people are saying i've actually done both um and there was people that said i'm living where i hate till i can afford where i love and things like that but most people said the location that you love and to kind of live on a on you know a bit of a leaner budget i'm guessing would be the sacrifice that most people would make and i have to agree i just the same thing that you said victoria i just am so nourished by my location and if I'm not living in a place where I feel like I can relax or feel happy or I'm not near my mates you know my boyfriend Torbs and I live right around the corner from Ryan and Bridget you know our friends of ours just moved back to New Zealand but they

live just around the corner from us before that and I loved it because you know you're just around the corner you can pop in but it's interesting because people were like actually it's a it's a really important question I think now that the narrative is changing around um taking care of your mental health? And I just thought it was a really great question to pose to you guys, because obviously we're like all about being financially savvy and that kind of thing. But actually, if what you need to do for you isn't maybe the best long-term financial choice. I think that's really important to note as well. And you guys know that I purchased a property in late 2020. So, that was all very exciting and a goal that we've been working towards for a really

long time that as part of that you know I was having good conversations with my partner about what we could afford and we absolutely could afford something bigger and better and newer and everything further out but that's not what we wanted we knew that our lifestyle would change we knew the house we were going to purchase was definitely not going to be as big we knew we'd have to have a red splash back if this is where we yeah like and it's kind of like a running joke in our friends that our kitchen's like super ugly but I'm so grateful for it no I mean the rest of it's not great you haven't seen it that close but seriously like I'm so grateful for it and I adore everything about the house we have because it affords me the lifestyle I want to

live not necessarily the life whereas I've got a couple of girlfriends they've moved far further out so that they can have really big beautiful homes and like I'll never have a home that big because I'll never be able to afford it and that's okay and I'm totally fine with that but that's just me going hey I'd really like to be able to get to work in 10 and 15 minutes I don't want to spend time in traffic like that would really upset me and I feel like that weighs really heavily on me because I've done it before and I know that that's not for me and my partner knows the same now that you've put it in that context I've actually made this decision because we are looking for a crappy house closer to town because you because originally I was comparing outback

northern territory to Paris I think location has changed from like would you prefer and like this is why that question was so hard to conceptualize because i thought okay are you saying i can have a super bougie job and live in new york but i'll never be able to see my family is that where we're going with this but i think smaller yeah i think it's interpreted in a different way and it's kind of like you know maybe we do want a small inner city apartment because of the lifestyle it affords us even though that same rent could get us much further out a big home that we could live our best life in yeah but like what if you're not a homebody and you go out all the time and you're exactly like ryan like i can't imagine you not eating out like i swear he eats out most nights

yeah but i'm just not a great cook but it's no but it's also like a choice that you make and that's part of your values and you build that into your budget because that's something that you love to do on the record that i don't go out that much like a few times a week during the week did he eat out for dinner on monday night did he eat out for dinner on tuesday night yeah you did i think you went to baby pizza on tuesday night yeah okay i'll just stop there yeah that's enough hey i wear very cheap t-shirts to pay for nice pizza but i like that and i think that that's what this podcast in this community is about like i love that you do that because you know that that's what you want to do but other people don't

and that's cool and we get to learn from you and then tony's values are different and then my values are different and you know i think that that's what makes this community so bright and vibrant it's we kind of don't mind what you do as long as you're happy but throughout the duration of this podcast we've learned a lot about other people's values and what they do and i think a good example of this is the fire movement so the financial independents retire early and they save like 80 of their incomes insane i could never so disciplined whereas there are some annoyingly impressive yeah and there are some great people in our community who do and are great and they're going to be retiring before 40 and it's just so impressive. I know that's not going to work for

me because I really do value my lifestyle. I do value the things that make me happy and nourish me and my partner. And yeah, like I'm not going to change that even though they go, yeah, but Victoria, you could retire at 40. I go, great. That's not worth it to me. If people have seen the house tour YouTube video that Victoria and I did of Victoria's house, what room was the most commented on which would also stop you retiring early what are you talking about the shoes room oh let's cut this bit out no but like i do really like shoes but that's my value and because i respect you guys respect me oh they did they're all like well victoria said i've that's my seriously like and i think that that's really important as well and i'll always be really open

and honest about things and share with you the things that i love because i'm not some robot who's like okay well you know you need to cut back on coffees Tony because you could save an extra $1,200 a year and do you know what $1,200 is going to be worth when you're 65 like cool let me know that if I saved more that's what that meant and you know one of the things that we've used as an example in this podcast before is if you saved $27.50 a day $10,000 in a year like that's really impressive but I want to arm you with those tools and resources so that then you can apply that to your situation not so i can say okay cool don't drink coffee anymore don't drink coffee anymore and also your grocery budget should only be x and y and don't spend on this but do

spend on that and how many times have you ordered uber eats cut that out if you love getting uber eats do it but just think about it and put it into your budget that's all is it a light like this goes back to my number one thing that i've said since the start of this podcast is it aligned to values exactly cool is it great yes fantastic i'm not going to question you any further your honor thank you victoria has rested her case i rest my case um well then i want to go into our wins and why do you have to bring it down like that sorry let's start with ryan because he's been awfully quiet over there i got two mini wins mini wins oh my gosh can we start doing that mini wins first of all on becoming a god in central florida that's the name of a show on netflix oh yeah you've been

Banging on, yep. It's got Kirsten Dunst, Kirsten Dunst. Kirsten Dunst. Kirsten Dunst. And it's about like a pyramid scheme in an MLM. Oh, Tony, let's watch it. That's for us. It's a dark comedy.

It's hilarious, but it's also fascinating to see like kind of the insides of the pyramid schemes back in Florida in the 80s and stuff. Yeah, it's juicy. There's such a good podcast called The Dream. I don't know if you listen to that as well. Tim Duggan recommended it when he was in studio. What a flex that is. Classic, classic. Very relatable, Gonda.

And considering a lot of people in the country are locked down, if you've got time, go and check that out, because it is actually quite interesting as well as hilarious. Tony and I will watch it. Yeah. Maybe together. Report back. Maybe independently.

We'll report back in next Friday Drinks episode. My other mini win, and this is like a really lame adulting kind of win. Oh, no. No, I love that. There's no such thing as lame adulting wins, by the way. My wife, Bridget, and I got $300 off a washer dryer. Yes! We got a washing machine and a dryer, and they stack on top of each other.

Tony, that is lame. And guess what they threw in for free? What? A little thing so you can stack them on top of each other. So it's like a little kit. So it like sits in like Lego, like it clips into itself. You don't have to mount them or anything. They're literally just like in there together.

Yeah, and they sit on top. That's amazing. And the thing pulls out and you can use it as a little bench. Oh, how sad that we're excited by that. That's actually real cool. See, you guys have changed the tune. And at first I was like, am I really spending my Saturday going to buy this? And then I got home and was like, we've got the extra features.

We've got this thing. This guy's going to bring it over. We'll have to make room. So I was really excited to get a couple of hundred bucks off. And just as a tip, always with that kind of stuff, you just say, oh, can you do it for cheaper? Oh, yeah. Is that the best price?

Yeah. And we probably did that a few times and then they kind of, oh, I'll just get on the computer and, oh, maybe we can chuck 50 off that. And I go, oh, can you throw in that extra thing included? Yeah. Oh, yeah, I guess. You're a real grown up when you know how to say that. I can't do that.

I do it. I can't do that. Bridget was cringing hard. Yeah, I can't. It gives me the heebie-jeebies. Like, I just, I wish I could. just be nice just give him the money yeah yeah yeah but do you know what my favorite tip there is is if you're in a store making a big purchasing decision like a washer dryer or whatever it is

google the code of the the item i'm not saying buy it from somewhere else but get the cheapest one and be like oh hey do you price match online it's this well yeah and then 99.95 percent of the time they'll go yeah no problems and they'll give you the cheapest version of it for the cheapest price in store was actually a bit more than online so bridge got her phone out and said oh online it says this oh oh that's sassy yeah there's some power plays going on i love that i love that what do you got all right so it was my mom's birthday last week happy birthday happy birthday and instead of going so we went out for lunch but like usually birthdays in our family add up not to like not hectically but it's one of those things where you know my sister has

a partner I've got a partner we're all adults now so like we're never around at the same time so we're planning on doing a Sunday lunch but I was going down the night before to stay at my parents place and I was like oh if we go out for dinner or get takeaway that's going to be so expensive yeah so I cooked dinner for my parents before we left and then I took it down to my parents place bring a plate yeah and I like made this little picnic and we had this like I bought a nice bottle of wine and I like served them dinner that I'd already cooked at my house so there was no mess and, you know, we played board games and it was really lame. That is so grown up.

Yeah. It was, but it was really. Who's the lame one? Yeah. Who's the lame one? But it was really exciting because, one, I got to cook something and I love cooking. Yeah.

But, two, we didn't have to go out or order takeaway and I knew exactly what we were getting because I'm a control freak and it was just so nice to turn up and be like, oh, I've cooked dinner and, like, they were super excited about it too. Yeah, because it was, like, a nice surprise. Oh, that's a great. Yeah. A great win and a great gift for your mum as well.

Yeah. she would have loved that i think they did and we played run me cub anyway i like that game my parents like that game i'm really lame tony can you please say this um i don't know if i can um i've got like a money confession but a life win um so life win that because i went to my parents place my mom sent me i'm getting heaps of lemons heaps of lemons because she sent heaps home for you yep that's that's that's my money win this week um judy's giving me a lot of lemons um no So, my favourite artist in the world is Lorde. It is.

I love Lorde so much. Every year on Spotify, I'm in the top 2% of Lorde listeners worldwide. Really? Yeah, I love Lorde. Can we get Lorde on a money diary? Like, can we manifest that Jessica Ricci style and try and manifest Lorde onto our podcast? I would do anything for that. We'll put a call in.

We'll put a call out. If she said, all right, I'll do it. If Tony gets Lorde tattooed on her body, I would do it. Like, hands down. That is a big call. Are you just angling for work to pay for a tattoo? Yeah, I really want to get a Lorde tattoo. Do you reckon she listens to the podcast?

Well, maybe she does listen to it. Well, Ella, if you're listening. Do you know DJ Tiger Lily listens to the podcast? We obviously had her on, but we had her on because she's an OG. I know, which is so cool. Cool people do cool. No, we're not cool. We're not cool.

The people that listen are cool. Every person that listens is cool. She sat in the same chair you're sitting in, Tony. Oh, hello. She did. Anyway, so I love Lorde. And about two weeks ago when she announced that she was going on tour, I opened all the tabs up on my laptop so that I could try and get tickets.

I had three logins to three different pre-sales that I was going to try and access, and I got some tickets. So money confession because it was $200 to buy, like, two tickets or whatever, but, like, self-care. That's not a confession. It's not a confession at all. It's a win because you would have had that in your budget. Because I loved it and I was really excited,

and as soon as she announced it, I was like, yes, we are going to that. I said that to my boyfriend, and we're going. And low-key, the whole team's excited about it because we're going to stop hearing about it. Yeah, because now I can stop being like, guys, don't forget to remind me that at 10 to 10, I've got to buy the tickets for the Lord because they're going to go on sale. Yeah, that's exactly what's been happening in our office this week. And with that, I think that that is more than enough. But just before we head off, we'd like to acknowledge and pay respect to Australia's

Aboriginal and Torres Strait Islander peoples. They're the traditional custodians of the lands, the waterways and the skies all across Australia. we thank you for sharing and for caring for the land on which we are able to learn we pay our respects to elders past and present and we share our friendship and our kindness the advice shared on she's on the money is generally nature and does not consider your individual circumstances she's on the money exists purely for educational purposes and should not be relied upon to make an investment or financial decision and we promise victoria divine is an authorized representative of australia pacific funds management

Proprietary Limited, ABN 34132463257, AFSL 339151. And if you don't like getting your financial information in an audio form and perhaps like the written form, why wouldn't you buy the book? The highest selling book in Australia over the last few weeks. It's called She's on the Money. It's by Victoria Devine. It's in all good bookstores, some of the crap ones too, or you can buy it online.

Yay! Some of the crap ones too. Well, they also stock it. Yeah, they do. They do. I don't think there's such thing as a crap bookstore, Ryan. Not if they're selling your book. See you next week, guys.

Bye.